Bank of Fairfield

Bank of Fairfield is headquartered in Fairfield and is the 49^th largest bank in the state of Washington. It is also the 4,283^rd largest bank in the nation. It was established in 1908 and as of December of 2011, it had grown to 42 employees at 9 locations. Bank of Fairfield has a 3-star health rating.

Bank of Fairfield Routing Number: 125102430

Data for Q4 2011

Institution Statistics Bank of Fairfield FDIC Certificate # 11207 BankRate Report View Year Established 1908 Employees 42 Primary Regulator FDIC Assets and Liabilities Assets $126.99 million Loans $102.26 million Deposits $113.11 million Equity Capital $12.98 million Loan Loss Allowance $3.17 million Unbacked Noncurrent Loans $4.85 million Real Estate Owned $1.71 million Historic Data - December 2010 Assets $130.88 million Equity Capital $11.81 million Loan Loss Allowance $3.16 million Unbacked Noncurrent Loans $2.98 million Real Estate Owned $2.18 million Profit Margin - Quarterly Net Interest Margin 5.22% Return on Assets 0.37% Return on Equity 3.7% Interest Income $7.03 million

Institution Health Overall Score: 3 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Bank of Fairfield had $6.56 million in non-current loans and owned real-estate with $16.15 million in equity and loan loss allowances on hand to cover it. This gives Bank of Fairfield a Texas Ratio of 40.63% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Bank of Fairfield increased slightly from 34.51% as of December 31, 2010 to 40.63% as of December 31, 2011, resulting in a negative change of 17.72%. This indicates that the balance sheet and financial strength for Bank of Fairfield has declined slightly in recent periods. Deposit Growth In the past year, Bank of Fairfield has decreased its total deposits by -$5.03 million, resulting in -4.25% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Bank of Fairfield has shown is below average. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Bank of Fairfield has $126.99 million in assets with $16.15 million in equity, resulting in a capitalization level of 12.72%, which is excellent.

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